Data transmission to a networked resource based on contextual information

ABSTRACT

Embodiments of the present invention provide a system for transmitting data to networked resources based on extracted contextual information from said networked resources. The system gathers contextual data from devices on the network, extracts contextual information from the contextual data, and determines supplemental resources to provide to the networked devices based on the contextual information. The system may further provide an augmented reality environment to a networked device that integrates identifies objects in an image and integrates notifications of supplemental resources in the augmented reality environment.

FIELD

The present invention relates to systems, methods, and computer programproducts for accessing and extracting context-based data to providetargeted supplemental resources to users in an integrated environment.

BACKGROUND

Sending notifications to uses requires large quantities of data storageand large amounts of processing capacity. When an entity sends targetednotifications to users, there is a greater likelihood that the usersactually take an action associated with the notification, and it reducesthe amount of data storage and processing capacity required whencompared to non-targeted notification. By sending notifications to asubset of users from a plurality of users (excluding other users), anentity reduces the data and storage and processing capacity withoutaffecting the actions taken on such notifications. Therefore, there is aneed for a system to more accurately and efficiently providenotifications.

SUMMARY

The following presents a simplified summary of one or more embodimentsof the present invention, in order to provide a basic understanding ofsuch embodiments. This summary is not an extensive overview of allcontemplated embodiments, and is intended to neither identify key orcritical elements of all embodiments nor delineate the scope of any orall embodiments. Its sole purpose is to present some concepts of one ormore embodiments of the present invention in a simplified form as aprelude to the more detailed description that is presented later.

Generally, systems, computer products, and methods are described hereinfor the transmission of resources over a network based on extractedcontextual information. More specifically, embodiments of the inventiondescribed herein provide an integrated environment to access contextualdata to extract contextual information and provide targeted supplementalresources to network device. By targeting resources to networkeddevices, the invention reduces the overall number of resources that needto be provided to the device and helps to keep user activity confined tothe integrated environment.

In one embodiment of the invention the system is configured to identifyuser information for a user; access contextual data, wherein thecontextual data is accessed from user computer systems or entitycomputer systems; extract contextual information from the accessedcontextual data; identify supplemental resources to present to the userbased on the user information and the contextual information; transmit anotification of the supplemental resources to the user, wherein thenotification includes a request to the user to accept or deny thesupplemental resources; receive a user selection to accept thesupplemental resources, wherein the user selection is received from theuser computer systems; and store the supplemental resources as beingassociated with the user or a resource pool of the user.

In another embodiment, the system is further configured to create a linkwith the user computer system; open an augmented reality application onthe user computer system, wherein the augmented reality application isconfigured to: (i) capture image data from an image capture deviceoperatively coupled to the user computer system; identify a plurality ofobjects in the image data; determine an identity of at least one objectfrom the image data; and identify supplemental resources to present tothe user based on the user information and the contextual information,wherein identifying supplemental resources is based on the at least oneobject from the image data; and indicate on a display of the usercomputer systems the notification of the supplemental resources with theat least one object.

In another embodiment, the system is further configured to receive thelocation of the user, wherein the location is received from a locationdetermination device through the user computer systems; determine, basedon the location of the user, that the user is proximate to a previousinteraction for which the user accepted previous supplemental resources;wherein the notification further includes an indication that the user isproximate to the previous interaction.

In another embodiment, the system is further configured to receivecontextual data, wherein the contextual data is an image, and the systemis further configured to identify in the image at least one object,wherein the supplemental resources are identified based on the at leastone object in the image. The system may also provide notification insuch an embodiment by transmitting the image integrated withsupplemental resource to the user computer system. In anotherembodiment, identifying the at least one object comprises employingoptical character recognition (OCR) to identify at least one object inthe image.

In another embodiment, integrating the notification in the image isintegrating an indicator in the image, and wherein the user selects theindicator to view the notification of supplemental resources.

In another embodiment of the invention, the contextual data is an event,wherein the supplemental resources are based on the at least one objectin the image. In such embodiments, the system may determine the eventfrom a user calendar, wherein the system accesses the user calendarthrough the user computer system or an entity system. In suchembodiments, the system may further be configured to receive permissionfrom the user to access the social networking account of the user; andidentify the event for which the user is interested, wherein the user istagged for the event or the user has otherwise indicated that the useris going to the event.

In another embodiment of the invention, the system is further configuredto receive a request from an interaction entity to process aninteraction between the interaction entity and the user, wherein theinteraction is a transaction for a product; determine that thetransaction for the product or with the interaction entity meetsrequirements of the supplemental resources that the user previouslyaccepted; allocate resources in a resource pool of the user for theinteraction for the product with the interaction entity; apply thesupplemental resources to the resource pool of the user after theresources from the resource pool have already been allocated; andwherein the interaction entity is unaware that the user accepted thesupplemental resources and that the supplemental resources have beenapplied to the user's resource pool at a time the supplemental resourcesare applied.

BRIEF DESCRIPTION OF THE DRAWINGS

Having thus described embodiments of the invention in general terms,reference will now be made to the accompanying drawings, where:

FIG. 1 is a diagram illustrating an exemplar environment of the system,in accordance with embodiments of the present invention.

FIG. 2 is a flowchart illustrating a general process flow for queuinginput information for performing rule-based notification association, inaccordance with embodiments of the present invention.

FIG. 3 is a flowchart illustrating a general process flow for usingcontextual data obtained from a user to provide supplemental resourcesrelevant to the user, in accordance with embodiments of the presentinvention.

FIG. 4 is an illustration of an integrated notification system forproviding notifications within an augmented reality environment, inaccordance with embodiments of the present invention.

DETAILED DESCRIPTION OF EMBODIMENTS OF THE INVENTION

Embodiments of the invention will now be described more fullyhereinafter with reference to the accompanying drawings, in which some,but not all, embodiments of the invention are shown. Indeed, theinvention may be embodied in many different forms and should not beconstrued as limited to the embodiments set forth herein; rather, theseembodiments are provided so that this disclosure will satisfy applicablelegal requirements. In the following description, for purposes ofexplanation, numerous specific details are set forth in order to providea thorough understanding of one or more embodiments. It may be evident;however, that such embodiment(s) may be practiced without these specificdetails. Like numbers refer to like elements throughout.

Systems, methods, and computer program products are herein disclosedthat provide for the transmission of resources over a network based onextracted contextual information. Embodiments of the invention describedin more detail herein provided an integrated environment to accesscontextual information and provide targeted supplemental resources to anetwork device. The present invention solve at least the technicalproblem of limiting the resources sent over the network by providingonly targeted resources to specific users on the network based oncontextual information extracted from the users' contextual data.Moreover, the integrated environment described herein is designed insuch a manner that allows users to user entity resources from a resourcepool without the user having to leave the integrated environment. Theseadvantages will be described in greater detail and with reference to theaccompanying figures below.

FIG. 1 illustrates a supplemental resource system environment 1, inaccordance with embodiments of the invention. As illustrated in FIG. 1,one or more resource entity systems 10 are operatively coupled, via anetwork 2, to one or more user computer systems 20, one or moreinteraction entity systems 30, one or more third-party systems 40,and/or one or more other systems (not illustrated). In this way, theuser 4 (e.g., one or more associates, employees, agents, contractors,sub-contractors, third-party representatives, customers, or the like),through a user application 27 (e.g., web browser, dedicated orspecialized application, or the like), may access resource entityapplications 17 (e.g., website, dedicated or specialized application, orthe like) of the resource entity systems 10 to receive supplementalresources for interactions with interaction entities.

The network 2 may be a global area network (GAN), such as the Internet,a wide area network (WAN), a local area network (LAN), or any other typeof network or combination of networks. The network 2 may provide forwireline, wireless, or a combination of wireline and wirelesscommunication between systems, services, components, and/or devices onthe network 2.

As illustrated in FIG. 1, the resource entity systems 10 generallycomprise one or more communication components 12, one or more processingcomponents 14, and one or more memory components 16. The one or moreprocessing components 14 are operatively coupled to the one or morecommunication components 12 and the one or more memory components 16. Asused herein, the term “processing component” generally includescircuitry used for implementing the communication and/or logic functionsof a particular system. For example, a processing component 14 mayinclude a digital signal processor component, a microprocessorcomponent, and various analog-to-digital converters, digital-to-analogconverters, and other support circuits and/or combinations of theforegoing. Control and signal processing functions of the system areallocated between these processing components according to theirrespective capabilities. The one or more processing components 14 mayinclude functionality to operate one or more software programs based oncomputer-readable instructions 18 thereof, which may be stored in theone or more memory components 16.

The one or more processing components 14 use the one or morecommunication components 12 to communicate with the network 2 and othercomponents on the network 2, such as, but not limited to, the componentsof the user computer systems 20, the interaction entity systems 30,third-party systems 40, or other systems. As such, the one or morecommunication components 12 generally comprise a wireless transceiver,modem, server, electrical connection, electrical circuit, or othercomponent for communicating with other components on the network 2. Theone or more communication components 12 may further include an interfacethat accepts one or more network interface cards, ports for connectionof network components, Universal Serial Bus (USB) connectors and thelike.

As further illustrated in FIG. 1, the resource entity systems 10comprise computer-readable instructions 18 stored in the memorycomponent 16, which in one embodiment includes the computer-readableinstructions 18 of the resource entity application 17 (e.g., websiteapplication, dedicated application, or the like). In some embodiments,the one or more memory components 16 include one or more data stores 19for storing data related to the resource entity systems 10, including,but not limited to, data created, accessed, and/or used by the resourceentity application 17. The resource entity application 17 may beutilized to provide and/or store not only resources for the user 4, butalso supplemental resources for the user, and apply such supplementalresources to the interactions of the user 4.

As illustrated in FIG. 1, users 4 may access the resource entityapplication 17, or other applications, through a user computer system20. The user computer system 20 may be a desktop, mobile device (e.g.,laptop, smartphone device, PDA, tablet, or other mobile device), or anyother type of computer that generally comprises one or morecommunication components 22, one or more processing components 24, andone or more memory components 26.

The one or more processing components 24 are operatively coupled to theone or more communication components 22, the one or more image capturecomponents 25, and the one or more memory components 26. The one or moreprocessing components 24 use the one or more communication components 22to communicate with the network 2 and other components on the network 2,such as, but not limited to, the resource entity systems 10, theinteraction entity systems 30, third-party systems 40, and/or othersystems. As such, the one or more communication components 22 generallycomprise a wireless transceiver, modem, server, electrical connection,or other component for communicating with other components on thenetwork 2. The one or more communication components 22 may furtherinclude an interface that accepts one or more network interface cards,ports for connection of network components, Universal Serial Bus (USB)connectors and the like. Moreover, the one or more communicationcomponents 22 may include a keypad, keyboard, touch-screen, touchpad,microphone, mouse, joystick, other pointer component, button, soft key,and/or other input/output component(s) for communicating with the users4.

As illustrated in FIG. 1, the user computer systems 20 may havecomputer-readable instructions 28 stored in the one or more memorycomponents 26, which in one embodiment includes the computer-readableinstructions 28 for user applications 27, such as dedicated applications(e.g., apps, applet, or the like), portions of dedicated applications, aweb browser or other apps that allow the user 4 to take various actions,including allowing the user 4 to access applications located on othersystems, or the like. In some embodiments, the user 4 utilizes the userapplications 27, through the user computer systems 20, to access theresource entity applications 17 to accept supplemental resources.Moreover, in some embodiments the user 4 may also utilize the userapplications 27, through the user computer systems 20, to enter intointeractions with the interaction entity, through the interaction entityapplications 37 and/or interaction entity systems 30.

As illustrated in FIG. 1, one or more interaction entity systems 30 maycommunicate with the resource entity systems 10 and/or user computersystems 20 to provide supplemental resources to the resource entityand/or to engage in interactions with the user 4. As such, theinteraction entity systems 30 are operatively coupled, via a network 2,to the one or more resource entity systems 10, the user computer systems20, the third party systems 40, and/or other systems. The interactionentity systems 30 generally comprise one or more communicationcomponents 32, one or more processing components 34, and one or morememory components 36.

The one or more processing components 34 are operatively coupled to theone or more communication components 32, and the one or more memorycomponents 36. The one or more processing components 34 use the one ormore communication components 32 to communicate with the network 2 andother components on the network 2, such as, but not limited to, thecomponents of the resource entity systems 10, the user computer systems20, the third party systems 40, and/or other systems. As such, the oneor more communication components 32 generally comprise a wirelesstransceiver, modem, server, electrical connection, or other componentfor communicating with other components on the network 2. The one ormore communication components 32 may further include an interface thataccepts one or more network interface cards, ports for connection ofnetwork components, Universal Serial Bus (USB) connectors and the like.

As illustrated in FIG. 1, the interaction entity systems 30 may havecomputer-readable instructions 38 stored in the one or more memorycomponents 36, which in one embodiment includes the computer-readableinstructions 38 of interaction entity applications 37 that allow for theinteractions with the user 4 and/or the resource entity regardingsupplemental resources, as will be described herein.

Moreover, as illustrated in FIG. 1, third party entity systems 40,and/or other like systems are operatively coupled to the resource entitysystems 10, the user computer systems 20, and/or the interaction entitysystems 30, through the network 2. The third party entity systems 40and/or other like systems have components the same as or similar to thecomponents described with respect to the resource entity systems 10, theuser computer systems 20, and/or the interaction entity systems 30(e.g., one or more communication components, one or more processingcomponents, and one or more memory devices with computer-readableinstructions of one or more applications, one or more datastores, or thelike). Thus, the third party systems 40 and/or other like systemscommunicate with the resource entity systems 10, the user computersystems 20, the interaction entity systems 30, and/or each other in sameor similar way as previously described with respect to the resourceentity systems 10, the user computer systems 20, and/or the interactionentity systems 30.

The present invention disclosed herein relates generally to a resourceentity providing a notification to a user that results in the user beingable to take an action, such that a user may enter into a futureinteraction using user's resources from a resource pool and supplementalresources related to the notification and/or action. In someembodiments, the resource entity may be a financial institution and theinteraction entity may be a merchant, but it should be understood thatthe entities may be another third party entity acting on its own or as athird-party for the resource entity or interaction entity. In someembodiments, the resource entity or the interaction entity may be actingon behalf of one another. The notification may relate to supplementalresources (e.g., and offer, discount, rebate, or the like) that the usermay utilize for a product (e.g., good or service) during an interaction(e.g., transaction, or the like) with an interaction entity. Thenotification may be presented to the user via various channels, such asthrough the user's online resource pool (e.g., online banking account,or the like), social network account, email, text message, or other likechannel. In some embodiments, the user action may be the acceptance ofthe notification (e.g., acceptance of the supplemental resources). Whenthe user accepts the supplemental resources, the supplemental resourcesare activated so that if the user uses eligible resources from aneligible resource pool (e.g., as determined by the resource entity, theinteraction entity, third party entity, or the like) to enter into theinteraction, the user receives the benefit associated with thesupplemental resources. In other embodiments, the supplemental resourcesmay be automatically activated if the user has previously chosen toautomatically activate supplemental resources associated with particularinteractions (e.g., associated with particular interaction entities orproducts). In some embodiments, the resource entity may determine that auser may choose among multiple eligible resources pools in order toenter into an interaction associated with the supplemental resources.

As will be described herein in further detail later, in some embodimentsthe present invention provides a targeted integrated interface thatintegrates information related to interactions that the user 4 has withinteraction entities with resources used from the resource entities, andprovides targeted supplemental resources to the user 4 through thetargeted integrated interface. The present invention provides at leasttwo different improvements to the technological environment ofinteractions that occurs over a network 2, such as the Internet. First,the present invention presents a targeted integrated interface thatpresents targeted supplemental resources to the user 4 in order to keepthe user 4 within the resource entity systems 10 and to make the user 4more likely to use the resources of the resource entity by providingsupplemental resources to the user 4 for future interactions withvarious interaction entity systems 30. Secondly, the present inventionreduces the storage and processing capacity required by the resourceentity systems 10 to present the targeted supplemental resources to theusers 4. Because the targeted integrated interface is utilized topresent the targeted supplemental resources to the user 4, the number ofnotifications presented to the user 4 is greatly reduced because thenotifications are specified to the user 4 and the user 4 can select thetargeted supplemented resources that the user 4 wants to use.

Referring now to FIG. 2, a general process flow 200 is provided forimplementing rule-based supplemental resource association. At block 210,the method comprises receiving at least one rule, the at least one rulecomprising at least one of a user rule or an entity rule (e.g., afiltering rule that excludes or allows the user access to supplementalresources based on the user and/or the entities). As used herein, a userrule is a rule that determines the users 4 that can access or that areexcluded from the supplemental resources (e.g., allows or excludes someusers from receiving and/or using the supplemental resources). In someembodiments, the at least one user rule may comprise an affinity rule.Therefore, if the user 4 and interaction entity already have an existingrelationship (e.g., for providing and/or using supplemental resources),these users may be allowed or excluded from receiving the supplementalresources through the resource entity. The affinity rule comprises atleast one of a full affinity rule or a partial affinity rule. When theaffinity rule comprises a full affinity rule, the user is completelyallowed or excluded from receiving supplemental resources if theinteraction entity already has an existing relationship with the user 4.When the affinity rule comprises a partial affinity rule, the user 4 isallowed to or excluded from receiving supplemental resources associatedwith a particular product, category of products, an entity, industry, orthe like associated with a particular interaction entity that alreadyhas an existing relationship with the user 4 for the particular product,category of products, entity, industry, or the like; however, the user 4may receive supplemental resources associated with other products,categories of products, entities, industries, or the like associatedwith the particular entity. Additionally or alternatively, the user 4may be allowed to or excluded from receiving supplemental resourcesassociated with a competitor of a particular interaction entity if thatparticular interaction entity already has an existing relationship withthe user 4.

In some embodiments, an entity rule is a rule that allows or excludessome interaction entities from providing supplemental resources to users4 associated with an interaction entity. In some embodiments, the atleast one entity rule comprises a category code rule. Therefore, aninteraction entity associated with a predetermined category code (e.g.,a healthcare code, or the like) is allowed to or excluded from providingsupplemental resources. However, the resource entity managing theresource pool of the user 4 may set up a list of interaction entitiesthat trigger exceptions. Interaction entities that trigger exceptionscan provide supplemental resources even if these entities are associatedwith the excluded category codes.

It should be understood that specific user rules and/or entity ruleshave been described herein; however, any user rules or entity rules maybe utilized to determine what users 4 have access to supplementalresources.

At block 220, the method comprises receiving user information associatedwith a user 4, the user information may comprise resource poolinformation associated with the user's resource pool. In someembodiments, resource pool information, as used herein, refers toinformation associated with the user's resource pool managed by one ormore resource entities. In some embodiments, the resource poolinformation comprises an interaction history (e.g., a transactionhistory, or the like) associated with the user's resource pool. Theinteraction history includes the types of interactions, frequency ofinteractions, resources used for the interactions, entities involved inthe interactions, resource balance history, or the like. As used herein,an interaction, may be a transaction such as a purchase, a deposit, awithdrawal, a credit, a debit, or the like associated with a resourcepool.

In some embodiments, the user information comprises other information aswell. For example, in some embodiments, the user information comprisespersonal information (e.g., demographic information, salary information,contact information (mailing address, email address, phone number, orthe like), residence address history, education information, job profileinformation, or the like) associated with the user. In some embodiments,the personal information further comprises social network informationassociated with the user's social network account or other non-accountrelated information associated with the user. In some embodiments, theuser information further comprises user information (e.g., personalinformation, account information, or the like) associated with theuser's immediate or extended family members or contacts (e.g., asdetermined from social network information).

At block 230, the method comprises determining whether to allow a useraccess to supplemental resources based on the at least one rule and/orbased on the received user information. It should be understood that theresource entity may have agreements with interaction entities to forproviding supplemental resources to the user 4 if the user 4 enters intointeractions with the interaction entities. The supplemental resourcesenable the user 4 to apply the supplemental resources to an interactionwith an interaction entity in order to reduce the resources the user 4uses from the user's resource pool to complete the interaction. As such,using the at least one rule and the received user information, theresource entity determines the targeted supplemental resources topresent to the user 4. By using targeted supplemental resources, theresource entity can identify the users 4 most likely to use thesupplemental resources in order to keep the users from leaving theresource entity applications 17 and keep the users using the resourcesof the resource entity for the interactions with the interactionentities, and also reduces the storage capacity and processing capacityrequired to present the supplemental resources to the users 4 (e.g.,because the supplemental resources are targeted to specific users 4).

At block 240 in FIG. 2, when a user 4 qualifies for supplementalresources the resource entity may provide a notification to a user 4regarding the supplemental resources. It should be understood that theuser may receive a notification regarding the targeted supplementalresources from the resource entity. For example, the notification of thesupplemental resources may be presented to the user 4 through theresource entity application 17 (e.g., user's online account accessedthrough the user computer systems 20), the social networking account ofthe user 4, electronic communication with the user 4 (e.g., user'se-mail, text message, sms message, other messaging channel, or thelike), or the like, as will be described in further detail later.

As illustrated by block 250, regardless of how the supplementalresources are presented, an indication of an action is receivedregarding the one or more supplement resources accepted by or for theuser 4. The user 4 may take an action by accepting one or more of thesupplemental resources presented to the user 4. In other embodiments ofthe invention, one or more of the plurality of supplemental resourcesmay be added automatically base on the one or more supplementalresources determined for the use as previously discussed with respect toblock 230 (e.g., all of the supplemental resources for the user 4 areautomatically added, or the like).

At block 240 an indication is received that a user 4 has entered into aninteraction with an interaction entity using the user's resources fromthe resource pool of the user 4 at the resource entity. The indicationmay include the product associated with the interaction, the amount ofthe interaction, and/or the resource pool used by the user 4 to enterinto the interaction. Should the interaction be allowed (e.g., there areno interaction limits on the user preventing the interaction, theinteraction entity is allowed, the user's resource pool can cover thebalance, or the like) resources from the user's resource pool areallocated for the interaction.

At block 250 as will be described, in some embodiments, the supplementalresources may be applied at a point of time in the future when theinteraction that qualifies for the supplemental resources is processed.

In some embodiments, when an interaction is processed by the resourceentity at a time in the future (e.g., at settlement time or processingtime after the interaction is entered), the system determines whetherthe supplemental resources are still active and whether the supplementalresources are still valid with respect to both the user 4 and theinteraction entity interacting with the user 4. This post-transactionprocess may be referred to as a supplemental resource reconciliationprocess. The supplemental resources are still active if the supplementalresources have not been revoked by at least one of the resource entityor the interaction entity, and/or if the supplemental resources have notexpired.

The supplemental resources are valid with respect to the interactionentity if the interaction entity is not excluded under any entity rules.In some embodiments, in order for the supplemental resources to bevalid, the interaction entity cannot be excluded under any entity rulesthat were in force at the time of the interaction. Additionally oralternatively, in some embodiments, in order for the supplementalresources to remain valid, the interaction entity cannot be excludedunder any entity rules that are in force at the time of settlement ofthe interaction. Therefore, in some embodiments, the interaction entitycannot be excluded under any new entity rules that have been introducedsince the interaction.

The supplemental interactions are valid for the user 4 if the user 4 isnot excluded under any user rules. In some embodiments, in order for thesupplemental resources to be valid, the user 4 cannot be excluded underany user rules that were in force at the time of the interaction.Additionally or alternatively, in some embodiments, in order for thesupplemental resources to remain valid, the user cannot be excludedunder any user rules that are in force at the time of settlement of theinteraction. Therefore, in some embodiments, the user cannot be excludedunder any new user rules that have been introduced since the purchasetransaction.

In still other embodiments of the invention, the supplemental resourcesmay also meet specific interaction rules regarding the interaction ofthe user with the interaction entity. The interaction rules may be setby the interaction entity and/or the resource entity. For example, theinteraction rules may require the user 4 to enter the interaction at aspecific date, time of day, location, interaction channel (e.g., inperson, over the Internet, over a telephone, or the like), for aspecific amount of resources, or the like. Moreover, the interactionrules may require the user 4 to use resources from specific resourcepools.

If the user rules, interaction entity rules, and/or the interactionrules are met at the time of the interaction and/or time of settlement,the supplemental resources are still valid and the resource entityapplies the amount of supplemental resources to the user's resource pooland/or reduces the resources provided to the interaction entity by theamount of the supplemental resources. In some embodiments, if at leastone of the user rules, interaction entity rules, and/or the interactionrules are not met at the time of the interaction and/or settlement, thesupplemental resources are invalid and the resource entity does notapply the amount of supplemental resources to the user's resource pooland/or applies the full amount of resources to the interaction entity.In alternate embodiments, even if at least one of the user rules,interaction entity rules, and/or interaction rules are not met at thetime of settlement, the supplemental resources remain valid as long asthe all of the rules were met at the time of the interaction, andconsequently the resource entity applies the supplemental resources tothe user's resource pool and reduces the resources provided to theinteraction entity by the amount of the supplemental resources.

In some embodiment of the invention, the supplemental resources arepresented to the user through an augmented reality application on theuser computer system 20. In such an embodiment, the augmented realityapplication

In some embodiments, the supplemental resources (e.g., a notification ofthe access to the supplemental resources) are presented via at least oneof a targeted integrated interface associated with the user's resourcepool (e.g., online banking account, mobile banking account on a portablemobile communication device, or the like), via a targeted integratedinterface associated with the user's social network account, or thelike. In some embodiments, a notification of the supplemental resourcesare inserted into or presented alongside (e.g., on the right, left, top,bottom side of an electronic interfaces related to an interaction withan interaction entity) the interaction history that is presented on theuser's online resource pool interactions (e.g., online interactionaccount). Therefore, for example, if ten interactions are listed in theinteraction history list, the notification of the supplemental resourcesmay be presented between the fourth and fifth interactions on the list.In some embodiments, the notification of the supplemental resources maybe related to the transaction which the offer is presented alongside(e.g., the fourth and/or fifth transaction in the above example). Forexample, if the fourth interaction is a transaction for product ‘A’ frominteraction entity ‘A,’ the supplemental resources are for a transactionfor product ‘A’ (e.g., from any interaction entity) or for a transactionfrom interaction entity ‘A’ (e.g., for any product) or for a transactionof product ‘A’ from interaction entity ‘A.’ Alternatively, thesupplemental resources may be for a transaction of a substitute product‘A’ (e.g., from interaction entity ‘A’ or from any other interactionentity).

In other embodiments of the invention, the supplemental resources may beprovided as an integrated notification in a user's contextual data. Aswill be described in greater detail herein, user contextual data may beany data obtained related to the user (e.g., stored on the user computersystems 20, stored as a part of a user profile on the resource entitysystem 10, interaction entity systems 30, and/or third party entitysystems 40, and the like) and the user's activity. In such embodiments,the system may be configured to receive user contextual data andintegrate a notification of the availability of supplemental resourcesrelated to the contextual data within the contextual data itself. Forexample, in some embodiments, the system may receive contextual datasuch as a photograph or image stored on the user computer system 20. Thephotograph received from the user computer system may include a retailstore in the background of the image. The system may extract contextualinformation from the photograph (e.g., that the user has recentlyvisited the retail store) and determine that the user has recently beenin the vicinity of the retail store. The system may furtherdetermine—according to the methods described herein—that supplementalavailable resources related to that retail store are available to theuser. Accordingly, the system may place a notification (e.g., a pin,marker, or the like) over the retail store in the photograph. Thus, whenthe user views the photograph (e.g., on the user computer system, on asocial media platform, or the like), the user will see an integratednotification that supplemental resources are available at the retailstore contained within the photograph.

In other embodiments of the invention, the supplemental resources may beprovided as an alert within the resource entity application 17 (e.g.,online interaction account), which when selected may provide a targetedintegrated interface with a plurality of supplemental resources forwhich the user 4 qualifies. In some embodiments, the notification forthe supplemental resources is transmitted to the user's email account.In other embodiments, the notification for the supplemental resources istransmitted, via text message or the like, to the user's mobile device.

In some embodiments, the presented supplemental resources are related toat least one of an interaction previously entered by the user (e.g., aprevious transaction associated with the user's financial institutionaccount), an interaction from an interaction entity from which the userpreviously entered into an interaction, an alternative to theinteraction previously entered into by the user, or an alternative tothe interaction from the interaction entity from which the userpreviously entered into an interaction. The alternative to theinteraction may be determined based on interaction histories associatedwith a plurality of resource pools associated with multiple users.

In some embodiments, the presented notification for the supplementalresources relates to a new product related to a previous productinteraction made by the user. For example, if the user previouslypurchased a stove, the supplemental resources may be related to adishwasher or a stove maintenance service.

In some embodiments, a notification of supplemental resources sent to orpresented on a resource pool associated with a first member of a familymay be used by a second member of the family. In some embodiments, thesecond member of the family may use the supplemental resources even ifthe second member is not associated with the resource pool associatedwith the first member. For example, the supplemental resourcesassociated with a particular interaction entity may be transmitted to(or linked to) a resource pool associated with a first family member.When the second member of the family enters an interaction thatqualifies for the supplemental resources using the second member'sresource pool (e.g., any qualifying payment method), the second memberreceives the allocation of the supplemental resources after enteringinto the interaction. The resource entity may have access to informationthat indicates that the second member is a family member of the firstmember even if the second member is not listed as being associated withthe resource pool associated with the first member.

Additionally, in some embodiments, as part of the previously describedsupplemental resources reconciliation process at the time of settlementof the supplemental resources, the system determines whether theresource pool information substantially matches the supplementalresources information. If the resource pool information has changedsince the interaction such that the resource pool information no longersubstantially matches the supplemental resources information, thesupplemental resources may be deemed to be invalid and the resourceentity does not provide allocation of the supplemental resources to theuser's resource pool. However, in other embodiments, even if theresource pool information has changed since the interaction, the offerremains valid and the financial institution provides a rebate to theuser's financial institution account.

FIG. 3 illustrates an exemplary process flow for providing supplementalresources to a user based on contextual data obtained on the user. Aspreviously noted, contextual data as used herein is any data related toa user that provides context on the user's activity, interests,locations, purchases, and the like. Examples of contextual data mayinclude photographs, e-mail communications, text messages, social mediainteractions, website browsing history, calendar appointments, GPScoordinates, purchase histories, and the like. The present inventionseeks to make use of such contextual data in order to determine relevantsupplemental resources to provide to the user as described above.

At block 310, the system receives user information for a user. As noted,user information may comprise resource pool information associated withthe user's resource pool. In some embodiments, resource poolinformation, as used herein, refers to information associated with theuser's resource pool managed by one or more resource entities. In someembodiments, the resource pool information comprises an interactionhistory (e.g., a transaction history, or the like) associated with theuser's resource pool. The interaction history includes the types ofinteractions, frequency of interactions, resources used for theinteractions, entities involved in the interactions, resource balancehistory, or the like. As used herein, an interaction, may be atransaction such as a purchase, a deposit, a withdrawal, a credit, adebit, or the like associated with a resource pool.

In some embodiments, the user information comprises other information aswell. For example, in some embodiments, the user information comprisespersonal information (e.g., demographic information, salary information,contact information (mailing address, email address, phone number, orthe like), residence address history, education information, job profileinformation, or the like) associated with the user. In some embodiments,the personal information further comprises social network informationassociated with the user's social network account or other non-accountrelated information associated with the user. In some embodiments, theuser information further comprises user information (e.g., personalinformation, account information, or the like) associated with theuser's immediate or extended family members or contacts (e.g., asdetermined from social network information).

At block 320, the system accesses contextual data. The system may accesscontextual data in several ways. In some embodiments, the user mayconsent to allow resource entity systems 10 or third party entitysystems 40 to access contextual data on the user computer systems 20(e.g., photographs, emails, live streaming video, calendar, contacts,and the like) or other systems for which the user has access. Forexample, the user may allow the resource entity system 10 to access theuser's images on the user's mobile device (e.g., when the user logs intothe resource entity application, the user may consent to the resourceentity application accessing the contextual data on the user's mobiledevice, or otherwise allowing the access even when the user is notlogged into the resource entity application, or the like). In otherexamples, the user 4 may provide the resource entity systems 10 accessto the user's social networking account (e.g., by providing the user'spassword and login to the resource entity, allowing the resource entityto become a contact of the user, or the like). As such, the resourceentity systems 10 may capture contextual data from the user's private orpublic social networking accounts. In other embodiments, contextual datamay be supplied based on an interaction between the user 4 andinteraction entity systems 30 (e.g., data collected by internetanalytics based on a user's browsing history and cookies, metadata, orthe like). Typically, contextual data will be unprocessed (i.e., thedata itself will not provide contextual information without additionalprocessing by the system.

Thus, at block 330, the system extracts contextual information from thecontextual data. The system may extract contextual information in manyways. In some embodiments, the system will employ optical characterrecognition (OCR), facial recognition software, or other image softwareto extract contextual information from the contextual data. For example,the contextual data may be a photograph that comprises one or morestorefronts. Using OCR, the system can identify the names of thestorefronts. Thus, the system will be able to determine that the user 4was near a Store A, Store B, and so on. Using this context, the systemwill be able to determine if supplemental resources are available to theuser 4 at Store A, Store B, or other stores identified through OCR.Similarly, the contextual data may also be a photograph comprisingconcert tickets, movie tickets, people, or the like. Using OCR, facialrecognition software, or the other software, the system can determinethat the user has purchased tickets to a concert on a certain date forBand A and/or is with a particular contact (e.g., social networkingcontact by comparing the captured contextual data with tags or otherinformation from images in the user's social networking accounts). Thesystem may then be able to determine if supplemental resources areavailable to the user 4 or contacts of the user related to the upcomingconcert, or for other similar events and/or products.

In other embodiments, the contextual data may be an email associatedwith the user 4, a calendar event associated with the user 4, or aninteraction posted to a social media account associated with the user 4.In such an embodiment, the system may extract contextual informationfrom the email, calendar event, or social media interaction usingcontext-specific grammars and language parsing. As used herein, acontext-specific grammar is a set of rules that describe how to formstrings in a language (e.g., English) according to the language'ssyntax. Context-specific grammars allow a system to “understand” writtenlanguage. For example, the user 4 may have an event stored in a calendarconnected to their mobile device for their spouse's anniversary. Usingcontext-specific grammars, the system can determine that the user 4 hasan upcoming wedding anniversary. Accordingly, the system may determinethat there are supplemental resources available to the user 4 related tothe user's wedding anniversary (e.g., discounts at a florist, jewelrystore, restaurant, or the like.

Once the system has extracted contextual information from the contextualdata—using OCR, facial recognition, context-specific grammars, or thelike—the system at block 340 identifies supplemental resources topresent to the user based on the user information and the contextualinformation. Some examples of this were discussed above (e.g.,supplemental resources to a florist based on determining the user 4 hasan upcoming anniversary, supplemental resources to Store A based ondetermining the user has a photograph outside of Storefront A, and thelike). The resource entity systems 10 may comprise a catalog ofavailable supplemental resources to provide to the user 4. In otherembodiments, the resource entity systems 10 may communicate with thirdparty entity systems 40 and interaction entity systems 30 to providesupplemental resources to the user 4. For example, the resource entitysystem may maintain categories of contextual information on one or moreusers 4 and provide such information to the interaction entity systems30 and third party entity systems 40. The contextual information may beone or more users with an upcoming vacation and the interaction entitysystems 30 may be associated with a hotel chain. The resource entity maypresent the one or more users with an upcoming vacation to theinteraction entity system 30 associated with a hotel chain to allow thehotel chain to offer supplemental resources to the one or more users 4.

At block 350, the system transmits a notification of the supplementalresources to present to the user based on the user information and thecontextual information. In some embodiments, the system may transmit anotification to the user computer systems 20. In other embodiments, thesystem may transmit a notification to by e-mail, text message, pushnotification, and the like to an account associated with the user 4.

In some embodiments, the system may transmit notification by placing anindicator within the contextual data. As discussed in more detail withrespect to FIG. 4, such an embodiment may comprise contextual data inthe form of a photograph or an image, and placing an indicator in theimage may comprise editing the image to include a marker, a pin, or thelike to indicate that supplemental resources are available related to anidentified object in the photograph or image.

In yet other embodiments, transmitting a notification of thesupplemental resources to present to the user based on the userinformation and the contextual information may comprise opening anaugmented reality application on the user computer system 20. Suchembodiments may be useful when geographic location information (e.g.,GPS coordinates) from a user computer system 20 indicates that the user4 is proximate to an offer for supplemental resources. For example, theGPS on a user's 4 mobile device may indicate that the user is in ashopping mall where several supplemental resources are available to theuser 4. The system may send notification to the user 4 to open anaugmented reality application on their mobile device. The augmentedreality application captures image data from an image capture deviceoperatively coupled to the user's mobile device. The image capturedevice may be a camera connected to the user's mobile phone.Alternatively, the image capture device may be cameras located proximateto the user 4 that connect to the user device over a network to provideimages. The image data will then display on the user mobile device.While the augmented reality application displays the captured image dataon the user mobile device, it can also identify objects in the imagedata using techniques similar to those discussed above (e.g., OCR,context-specific grammars and parsing, and the like). If the identifiedobjects are associated with supplemental resources available to theuser, the augmented reality application can place indicators in thecaptured image data displayed on the user's mobile device to indicate tothe user 4 that supplemental resources are available.

At block 360, the system receives a user selection to accept thesupplemental resources, wherein the user selection is received from theuser computer systems 20. In some embodiments of the invention, a user 4will accept the supplemental resources by choosing an “Accept” optionthat accompanies the notification of supplemental resources to the user.However, it will be understood that the user may accept the supplementalresources in any acceptable manner, including but not limited to,clicking a link to visit a resource entity website, responding “Yes” or“Accept” to an email, sms message, or the like, choosing toautomatically accept any available supplemental resources, or any othersimilar means of acceptance.

Finally, at block 370, the system stores the supplemental resources asbeing associated with the user or a resource pool of the user. Storingthe supplemental resources as being associated with the user typicallycomprises storing a pointer reference, a flag, or the like along withuser information and/or the user resource pool stored on the resourceentity systems 10 that indicate the user has accepted supplementalresources. Thus, when the user 4 seeks to use the supplementalresources, the resource entity systems 10 can apply the supplementalresources to the user's 4 resource pool when processing the transaction.

FIG. 4 depicts an embodiment of the invention wherein notification ofsupplemental resources are displayed to the user as an integratednotification within a photograph, image, or augmented realityenvironment 400. Integrating the notification within a photograph,image, or augmented reality environment 400 requires the system toreceive a photograph, image, or camera feed (e.g., for the augmentedreality environment) and edit the received photograph, image, or camerafeed to include notifications over particular embodiments, beforetransmitting the edited photograph, image, or camera feed over thenetwork 2 to be viewed on the user computer system 20. According toembodiments of the invention, users may be entirely unaware of thecommunications between the user computer systems 20 and the entitycomputer systems 30 to receive, edit, and transmit the image back to theuser computer systems 20. As such, the user is simply presented with anoffer for supplemental resources integrated into a photograph, image, oraugmented reality environment 400 on their user computer systems.

As shown in FIG. 4, an environment 400 may comprise an image (either astill photograph or a live-feed augmented reality environment) that canbe displayed on the display of user computer systems 20. As describedabove, the system is able to use contextual data (e.g., OCR,context-specific grammars, and the like) to identify objects) in theenvironment 400 and determine whether supplemental resources areavailable to the user based on the identified objects. For example,several buildings are depicted in the environment 400 depicted in theembodiment portrayed by FIG. 4. In such an embodiment, the system may beable to identify building 420 (e.g., using OCR to read signage outsideof Building X, using geotags within a stored image to determine thelocation of the photo as Building X, or the like). Using informationstored on the entity computer systems 10 or third party entity systems40, the system can determine that there is Store A housed in building420. Further, the system may also determine that the user 4 hassupplemental resources available to them at Store A.

According to embodiments of the invention as depicted by FIG. 4, thesystem may then transmit notification of the available supplementalresources by placing a marker 410 within the image or augmented realityenvironment over building 420 to indicate the availability ofsupplemental resources. In some embodiments, the marker 410 may be aflag, icon, or the like that indicates supplemental resources areavailable related to the identified object (e.g., a store housed withina building). In some embodiments, the user may tap on the marker 410 toview the offer of supplemental resources. In such embodiments, a textwindow may appear that details the supplemental resources available theuser. The text window may contain text that indicates the availabilityof supplemental resources available to the user 4 (e.g., “SupplementalResources Available. Do you accept?”). Additionally, the text window mayprovide the user with the option to accept the supplemental resources byselecting a “Yes” to accept the supplemental resources or a “No” todecline.

Referring generally to the embodiments of the invention, supplementresources may be offers for discounts, rebates, and/or coupons (e.g.,reverse couponing) that are applied to the user's resource poolretroactively after the interaction has been made. As such, the systemenables transmission of individualized or personalized offers to users.For example, an offer associated with a merchant may be a 10% discounton a purchase made from that merchant. As an example, the activatedoffer may be a rebate of $5 on a purchase of $20 or more from adepartment store. The user may decide to use the offer by visiting thedepartment store and making a purchase of $20. In some embodiments, atthe point of sale, the user pays $20 for the user's purchase using aneligible payment method determined by the financial institution or themerchant (e.g., payment card, mobile device payment, check, or thelike). When the transaction is processed by the financial institution ata predetermined settlement time in the future (e.g., as part of aperiodic batch processing operation to generate monthly accountstatements), the financial institution provides a rebate of $5 to theuser's financial institution account. Therefore, the department store,at the point of sale, may have no knowledge that the user will receive arebate at some point in the future. In some embodiments, even the usermay not be aware of the rebate at the point of sale (e.g., if the offerwas automatically activated). In other embodiments, the point of saleterminal may provide an indication to at least one of the departmentstore or the user that the user will receive a rebate at some point inthe future.

Although many embodiments of the present invention have just beendescribed above, the present invention may be embodied in many differentforms and should not be construed as limited to the embodiments setforth herein; rather, these embodiments are provided so that thisdisclosure will satisfy applicable legal requirements. Also, it will beunderstood that, where possible, any of the advantages, features,functions, devices, and/or operational aspects of any of the embodimentsof the present invention described and/or contemplated herein may beincluded in any of the other embodiments of the present inventiondescribed and/or contemplated herein, and/or vice versa. In addition,where possible, any terms expressed in the singular form herein aremeant to also include the plural form and/or vice versa, unlessexplicitly stated otherwise. Accordingly, the terms “a” and/or “an”shall mean “one or more,” even though the phrase “one or more” is alsoused herein. Like numbers refer to like elements throughout.

As will be appreciated by one of ordinary skill in the art in view ofthis disclosure, the present invention may include and/or be embodied asan apparatus (including, for example, a system, machine, device,computer program product, and/or the like), as a method (including, forexample, a business method, computer-implemented process, and/or thelike), or as any combination of the foregoing. Accordingly, embodimentsof the present invention may take the form of an entirely businessmethod embodiment, an entirely software embodiment (including firmware,resident software, micro-code, stored procedures in a database, or thelike), an entirely hardware embodiment, or an embodiment combiningbusiness method, software, and hardware aspects that may generally bereferred to herein as a “system.” Furthermore, embodiments of thepresent invention may take the form of a computer program product thatincludes a computer-readable storage medium having one or morecomputer-executable program code portions stored therein. As usedherein, a processor, which may include one or more processors, may be“configured to” perform a certain function in a variety of ways,including, for example, by having one or more general-purpose circuitsperform the function by executing one or more computer-executableprogram code portions embodied in a computer-readable medium, and/or byhaving one or more application-specific circuits perform the function.

It will be understood that any suitable computer-readable medium may beutilized. The computer-readable medium may include, but is not limitedto, a non-transitory computer-readable medium, such as a tangibleelectronic, magnetic, optical, electromagnetic, infrared, and/orsemiconductor system, device, and/or other apparatus. For example, insome embodiments, the non-transitory computer-readable medium includes atangible medium such as a portable computer diskette, a hard disk, arandom access memory (RAM), a read-only memory (ROM), an erasableprogrammable read-only memory (EPROM or Flash memory), a compact discread-only memory (CD-ROM), and/or some other tangible optical and/ormagnetic storage device. In other embodiments of the present invention,however, the computer-readable medium may be transitory, such as, forexample, a propagation signal including computer-executable program codeportions embodied therein. In some embodiments, memory may includevolatile memory, such as volatile random access memory (RAM) having acache area for the temporary storage of information. Memory may alsoinclude non-volatile memory, which may be embedded and/or may beremovable. The non-volatile memory may additionally or alternativelyinclude an EEPROM, flash memory, and/or the like. The memory may storeany one or more of pieces of information and data used by the system inwhich it resides to implement the functions of that system.

One or more computer-executable program code portions for carrying outoperations of the present invention may include object-oriented,scripted, and/or unscripted programming languages, such as, for example,Java, Perl, Smalltalk, C++, SAS, SQL, Python, Objective C, JavaScript,and/or the like. In some embodiments, the one or morecomputer-executable program code portions for carrying out operations ofembodiments of the present invention are written in conventionalprocedural programming languages, such as the “C” programming languagesand/or similar programming languages. The computer program code mayalternatively or additionally be written in one or more multi-paradigmprogramming languages, such as, for example, F#.

Some embodiments of the present invention are described herein withreference to flowchart illustrations and/or block diagrams of apparatusand/or methods. It will be understood that each block included in theflowchart illustrations and/or block diagrams, and/or combinations ofblocks included in the flowchart illustrations and/or block diagrams,may be implemented by one or more computer-executable program codeportions. These one or more computer-executable program code portionsmay be provided to a processor of a general purpose computer, specialpurpose computer, and/or some other programmable data processingapparatus in order to produce a particular machine, such that the one ormore computer-executable program code portions, which execute via theprocessor of the computer and/or other programmable data processingapparatus, create mechanisms for implementing the steps and/or functionsrepresented by the flowchart(s) and/or block diagram block(s).

The one or more computer-executable program code portions may be storedin a transitory and/or non-transitory computer-readable medium (e.g., amemory or the like) that can direct, instruct, and/or cause a computerand/or other programmable data processing apparatus to function in aparticular manner, such that the computer-executable program codeportions stored in the computer-readable medium produce an article ofmanufacture including instruction mechanisms which implement the stepsand/or functions specified in the flowchart(s) and/or block diagramblock(s).

The one or more computer-executable program code portions may also beloaded onto a computer and/or other programmable data processingapparatus to cause a series of operational steps to be performed on thecomputer and/or other programmable apparatus. In some embodiments, thisproduces a computer-implemented process such that the one or morecomputer-executable program code portions which execute on the computerand/or other programmable apparatus provide operational steps toimplement the steps specified in the flowchart(s) and/or the functionsspecified in the block diagram block(s). Alternatively,computer-implemented steps may be combined with, and/or replaced with,operator- and/or human-implemented steps in order to carry out anembodiment of the present invention.

While certain exemplary embodiments have been described and shown in theaccompanying drawings, it is to be understood that such embodiments aremerely illustrative of and not restrictive on the broad invention, andthat this invention not be limited to the specific constructions andarrangements shown and described, since various other changes,combinations, omissions, modifications and substitutions, in addition tothose set forth in the above paragraphs, are possible. Those skilled inthe art will appreciate that various adaptations, modifications, andcombinations of the just described embodiments can be configured withoutdeparting from the scope and spirit of the invention. Therefore, it isto be understood that, within the scope of the appended claims, theinvention may be practiced other than as specifically described herein.

INCORPORATION BY REFERENCE

To supplement the present disclosure, this application furtherincorporates entirely by reference the following commonly assignedpatent applications:

U.S. patent application Docket Number Ser. No. Title Filed On7879US1.014033.3037 To be SYSTEM FOR Concurrently assigned LINKINGherewith ALTERNATE RESOURCES TO RESOURCE POOLS AND ALLOCATING LINKEDALTERNATIVE RESOURCES TO A RESOURCE INTERACTION 7880US1.014033.3038 Tobe DYNAMIC Concurrently assigned UTILIZATION herewith OF ALTERNATIVERESOURCES BASED ON TOKEN ASSOCIATION 7881US1.014033.3039 To be PROACTIVEConcurrently assigned RESOURCE herewith ACQUISITION BASED ON ANTICIPATEDNEED 7883US1.014033.3041 To be DATA Concurrently assigned TRANSMISSIONherewith BETWEEN NETWORKED RESOURCES

What is claimed is:
 1. A system for context-based resource prompting,the system comprising: one or more processor components; one or morememory components operatively coupled to the one or more processorcomponents; computer programmable instructions stored on the one or morememory components and configured to cause the one or more processorcomponents to: identify user information for a user; access contextualdata, wherein the contextual data is accessed from user computer systemsor entity computer systems; extract contextual information from theaccessed contextual data; identify supplemental resources to present tothe user based on the user information and the contextual information;transmit a notification of the supplemental resources to the user,wherein the notification includes a request to the user to accept ordeny the supplemental resources; receive a user selection to accept thesupplemental resources, wherein the user selection is received from theuser computer systems; and store the supplemental resources as beingassociated with the user or a resource pool of the user.
 2. The systemof claim 1, wherein the system is further configured to: create a linkwith the user computer system; open an augmented reality application onthe user computer system, wherein the augmented reality application isconfigured to: capture image data from an image capture deviceoperatively coupled to the user computer system; identify a plurality ofobjects in the image data; determine an identity of at least one objectfrom the image data; wherein identifying supplemental resources is basedon the at least one object from the image data; indicate on a display ofthe user computer systems the notification of the supplemental resourcesalong with the at least one object.
 3. The system of claim 1, whereinthe system is further configured to: receive a location of the user,wherein the location is received from a location determination devicethrough the user computer systems; determine, based on the location ofthe user, that the user is proximate to a previous interaction for whichthe user accepted previous supplemental resources; wherein thenotification further includes an indication that the user is proximateto the previous interaction.
 4. The system of claim 1, wherein theaccessed contextual data is an image, and the system is furtherconfigured to: identify in the image at least one object, wherein thesupplemental resources are identified based on the at least one objectin the image.
 5. The system of claim 4, wherein identifying the at leastone object comprises employing optical character recognition (OCR) toidentify at least one object in the image.
 6. The system of claim 4,wherein the notification of the supplemental resources is integrated inthe image, and wherein transmitting the notification includestransmitting the image integrated with the supplemental resource to theuser computer system.
 7. The system of claim 4, wherein the integratingthe notification in the image is integrating an indicator in the image,and wherein the user selects the indicator to view the notification ofthe supplemental resources.
 8. The system of claim 1, wherein thecontextual data is an event, wherein the supplemental resources areidentified based on the at least one object in the image.
 9. The systemof claim 8, wherein the event is determined from a user calendar, andwherein the system is further configured to: access the user calendar,wherein the user calendar is accessed through the user computer systemor an entity system.
 10. The system of claim 8, wherein the event isdetermined from a social networking account of the user, and wherein thesystem is further configured to: receive permission from the user toaccess the social networking account of the user; and identify the eventfor which the user is interested, wherein the user is tagged for theevent or the user has otherwise indicated that the user is going to theevent.
 11. The system of claim 1, wherein the system is furtherconfigured to: receive a request from an interaction entity to processan interaction between the interaction entity and the user, wherein theinteraction is a transaction for a product; determine that thetransaction with the interaction entity meets requirements of thesupplemental resources that the user previously accepted; allocateresources in a resource pool of the user for the interaction for theproduct with the interaction entity; apply the supplemental resources tothe resource pool of the user after the resources from the resource poolhave already been allocated; and wherein the interaction entity isunaware that the user accepted the supplemental resources and that thesupplemental resources have been applied to the user's resource pool ata time the supplemental resources are applied.
 12. A computer programproduct for context-based resource prompting, the computer programproduct comprising a non-transitory computer-readable storage mediumhaving computer-executable instructions for: identifying userinformation for a user; accessing contextual data, wherein thecontextual data is accessed from user computer systems or entitycomputer systems; extracting contextual information from the receivedcontextual data; identifying supplemental resources to present to theuser based on the user information and the contextual information;transmit a notification of the supplemental resources to the user,wherein the notification includes a request to the user to accept ordeny the supplemental resources; receiving a user selection to acceptthe supplemental resources, wherein the user selection is received fromthe user computer systems; and storing the supplemental resources asbeing associated with the user or a resource pool of the user.
 13. Thecomputer program product of claim 12, wherein the non-transitorycomputer-readable storage medium has computer-executable instructionsfor: creating a link with the user computer system; opening an augmentedreality application on the user computer system, wherein the augmentedreality application is configured to: identify a plurality of objects inthe image data; determine an identity of at least one object from theimage data; wherein identifying supplemental resources to present to theuser is based on the at least one object identified from the image data;and indicating on a display of the user computer systems thenotification of the supplemental resources along with the at least oneobject.
 14. The computer program product of claim 12, wherein thecontextual data is a location of the user, and wherein thenon-transitory computer-readable storage medium has computer-executableinstructions for: receiving the location of the user, wherein thelocation is received from a location determination device through theuser computer systems; determining, based on the location of the user,that the user is proximate to a previous interaction for which the useraccepted previous supplemental resources; wherein the notificationfurther includes an indication that the user is proximate to theprevious interaction.
 15. The computer program product of claim 12,wherein the contextual data received from the device of the user is animage, and the non-transitory computer-readable storage medium hascomputer-readable executable instructions for: identifying in the imageat least one object, wherein the supplemental resources are identifiedbased on the at least one object in the image, wherein identifying theat least one object comprises employing optical character recognition(OCR) to identify at least one object in the image; wherein thenotification of the supplemental resources is integrated in the image;and wherein transmitting the notification includes transmitting theimage integrated with the supplemental resource to the user computersystem.
 16. The computer program product of claim 12, wherein thenon-transitory computer-readable storage medium has computercomputer-readable executable instructions for: receiving a request froman interaction entity to process an interaction between the interactionentity and the user, wherein the interaction is a transaction for aproduct; determining that the transaction for the product or with theinteraction entity meets the requirements of the supplemental resourcesto the resource pool of the user after the resources from the resourcepool have already been allocated; applying the supplemental resources tothe resource pool of the user after the resources from the resource poolhave already been allocated; and wherein the interaction entity isunaware that the user accepted the supplemental resources and that thesupplemental resources have been applied to the user's resource pool atthe time the supplemental resources are applied.
 17. A method forcontext-based resource prompting, the method comprising: identifying, bya processor, user information for a user; accessing, by a processor,contextual data, wherein the contextual data is accessed from usercomputer systems or entity computer systems; extracting contextualinformation from the received contextual data; identifying, by aprocessor, supplemental resources to present to the user based on theuser information and the contextual information; transmitting, by aprocessor, a notification of the supplemental resources to the user,wherein the notification includes a request to the user to accept ordeny the supplemental resources; receiving, by a processor, a userselection to accept the supplemental resources, wherein the userselection is received from the user computer systems; and store thesupplemental resources as being associated with the user or a resourcepool of the user.
 18. The method of claim 17, the method furthercomprising: Creating, by a processor, a link with the user computersystem; opening, by a processor, an augmented reality application on theuser computer system, wherein the augmented reality application isconfigured to: identify a plurality of objects in the image data;determine an identity of at least one object from the image data;wherein, by a processor, identifying supplemental resources to presentto the user is based on the at least one object identified from theimage data; and indicating, by a processor, on the display of the usercomputer systems the notification of the supplemental resources alongwith the at least one object.
 19. The method of claim 17, the methodfurther comprising: identifying, by a processor, in the image at leastone object, wherein the supplemental resources are identified based onthe at least one object in the image, wherein identifying the at leastone object comprises employing optical character recognition (OCR) toidentify at least one object in the image; wherein the notification ofthe supplemental resources is integrated in the image; and whereintransmitting the notification includes transmitting the image integratedwith the supplemental resource to the user computer system.
 20. Themethod of claim 17, the method further comprising: receiving, by aprocessor, a request from an interaction entity to process aninteraction between the interaction entity and the user, wherein theinteraction is a transaction for a product; determining, by a processor,that the transaction for the product or with the interaction entitymeets the requirements of the supplemental resources to the resourcepool of the user after the resources from the resource pool have alreadybeen allocated; applying, by a processor, the supplemental resources tothe resource pool of the user after the resources from the resource poolhave already been allocated; and wherein the interaction entity isunaware that the user accepted the supplemental resources and that thesupplemental resources have been applied to the user's resource pool atthe time the supplemental resources are applied.